arXiv:2604.03976v1 Announce Type: new Abstract: Prior work on trustworthy AI emphasizes model-internal properties such as bias mitigation, adversarial robustness, and interpretability. As AI systems evolve into autonomous agents deployed in open environments and increasingly connected to payments or assets, the operational meaning of trust shifts to end-to-end outcomes: whether an agent completes tasks, follows user intent, and avoids failures that cause material or psychological harm. These risks are fundamentally product-level and cannot be eliminated by technical safeguards alone because agent behavior is inherently stochastic. To address this gap between model-level reliability and user-facing assurance, we propose a complementary framework based on risk management. Drawing inspiration from financial underwriting, we introduce the \textbf{Agentic Risk Standard (ARS)}, a payment settlement standard for AI-mediated transactions. ARS integrates risk assessment, underwriting, and compensation into a single transaction framework that protects users when interacting with agents. Under ARS, users receive predefined and contractually enforceable compensation in cases of execution failure, misalignment, or unintended outcomes. This shifts trust from an implicit expectation about model behavior to an explicit, measurable, and enforceable product guarantee. We also present a simulation study analyzing the social benefits of applying ARS to agentic transactions. ARS's implementation can be found at https://github.com/t54-labs/AgenticRiskStandard.

arXiv:2604.04274v1 Announce Type: new Abstract: Causal inference is central to scientific discovery, yet choosing appropriate methods remains challenging because of the complexity of both statistical methodology and real-world data. Inspired by the success of artificial intelligence in accelerating scientific discovery, we introduce InferenceEvolve, an evolutionary framework that uses large language models to discover and iteratively refine causal methods. Across widely used benchmarks, InferenceEvolve yields estimators that consistently outperform established baselines: against 58 human submissions in a recent community competition, our best evolved estimator lay on the Pareto frontier across two evaluation metrics. We also developed robust proxy objectives for settings without semi-synthetic outcomes, with competitive results. Analysis of the evolutionary trajectories shows that agents progressively discover sophisticated strategies tailored to unrevealed data-generating mechanisms. These findings suggest that language-model-guided evolution can optimize structured scientific programs such as causal inference, even when outcomes are only partially observed.

arXiv:2604.03409v1 Announce Type: cross Abstract: Generative artificial intelligence offers a new paradigm to design matter in high-dimensional spaces. However, its underlying mechanisms remain difficult to interpret and limit adoption in computational mechanics. This gap is striking because its core tools-diffusion, stochastic differential equations, and inverse problems-are fundamental to the mechanics of materials. Here we show that diffusion-based generative AI and computational mechanics are rooted in the same principles. We illustrate this connection using a three-ingredient burger as a minimal benchmark for material design in a low-dimensional space, where both forward and reverse diffusion admit analytical solutions: Markov chains with Bayesian inversion in the discrete case and the Ornstein-Uhlenbeck process with score-based reversal in the continuous case. We extend this framework to a high-dimensional design space with 146 ingredients and 8.9x10^43 possible configurations, where analytical solutions become intractable. We therefore learn the discrete and continuous reverse processes using neural network models that infer inverse dynamics from data. We train the models on only 2,260 recipes and generate one million samples that capture the statistical structure of the data, including ingredient prevalence and quantitative composition. We further generate five new burgers and validate them in a restaurant-based sensory study with 100 participants, where three of the AI-designed burgers outperform the classical Big Mac in overall liking, flavor, and texture. These results establish diffusion-based generative modeling as a physically grounded approach to design in high-dimensional spaces. They position generative AI as a natural extension of computational mechanics, with applications from burgers to matter, and establish a path toward data-driven, physics-informed generative design.

arXiv:2511.14130v2 Announce Type: replace Abstract: With the rapid progress of large language models (LLMs), financial information retrieval has become a critical industrial application. Extracting task-relevant information from lengthy financial filings is essential for both operational and analytical decision-making. We present PRISM, a training-free framework that integrates refined system prompting, in-context learning (ICL), and lightweight multi-agent coordination for document and chunk ranking tasks. Our primary contribution is a systematic empirical study of when each component provides value: prompt engineering delivers consistent performance with minimal overhead, ICL enhances reasoning for complex queries when applied selectively, and multi-agent systems show potential primarily with larger models and careful architectural design. Extensive ablation studies across FinAgentBench, FiQA-2018, and FinanceBench reveal that simpler configurations often outperform complex multi-agent pipelines, providing practical guidance for practitioners. Our best configuration achieves an NDCG@5 of 0.71818 on FinAgentBench, ranking third while being the only training-free approach in the top three. We provide comprehensive feasibility analyses covering latency, token usage, and cost trade-offs to support deployment decisions. The source code is released at https://bit.ly/prism-ailens.

arXiv:2512.13168v4 Announce Type: replace Abstract: We introduce FinWorkBench (a.k.a. Finch), a benchmark for evaluating agents on real-world, enterprise-grade finance and accounting workflows that interleave data entry, structuring, formatting, web search, cross-file retrieval, calculation, modeling, validation, translation, visualization, and reporting. Finch is built from authentic enterprise workspaces from Enron (15,000 files and 500,000 emails) and other financial institutions spanning 2000 to 2025, preserving the in-the-wild messiness of multimodal artifacts such as tables and charts across diverse domains including budgeting, trading, and asset management. We propose a workflow construction process that combines LLM-assisted mining of workflows from authentic enterprise environments with expert annotation. Specifically, we use LLM-assisted, expert-verified derivation of workflows from real-world email threads and spreadsheet version histories, followed by meticulous workflow annotation requiring more than 700 hours of expert effort. This process yields 172 composite workflows with 384 tasks, involving 1,710 spreadsheets with 27 million cells, along with PDFs and other artifacts, capturing the intrinsically messy, long-horizon, knowledge-intensive, and collaborative nature of enterprise work. We conduct both human and automated evaluations of frontier AI systems, including GPT 5.1, Claude Sonnet/Opus 4.5, Gemini 3 Pro, Grok 4, and Qwen 3 Max. GPT 5.1 Pro spends an average of 16.8 minutes per workflow yet passes only 38.4% of workflows. Comprehensive case studies further highlight the challenges that real-world enterprise workflows pose for AI agents.

arXiv:2506.09749v3 Announce Type: replace-cross Abstract: In complex engineering systems, the dependencies among components or development activities are often modeled and analyzed using Design Structure Matrix (DSM). Reorganizing elements within a DSM to minimize feedback loops and enhance modularity or process efficiency constitutes a challenging combinatorial optimization (CO) problem in engineering design and operations. As problem sizes increase and dependency networks become more intricate, traditional optimization methods that rely solely on mathematical heuristics often fail to capture the contextual nuances and struggle to deliver effective solutions. In this study, we explore the potential of Large Language Models (LLMs) to address such CO problems by leveraging their capabilities for advanced reasoning and contextual understanding. We propose a novel LLM-based framework that integrates network topology with contextual domain knowledge for iterative optimization of DSM sequencing-a common CO problem. Experiments on various DSM cases demonstrate that our method consistently achieves faster convergence and superior solution quality compared to both stochastic and deterministic baselines. Notably, incorporating contextual domain knowledge significantly enhances optimization performance regardless of the chosen LLM backbone. These findings highlight the potential of LLMs to solve complex engineering CO problems by combining semantic and mathematical reasoning. This approach paves the way towards a new paradigm in LLM-based engineering design optimization.

arXiv:2510.16066v4 Announce Type: replace-cross Abstract: Despite accounting for 96.1% of all businesses in Malaysia, access to financing remains one of the most persistent challenges faced by Micro, Small, and Medium Enterprises (MSMEs). Newly established businesses are often excluded from formal credit markets as traditional underwriting approaches rely heavily on credit bureau data. This study investigates the potential of bank statement data as an alternative data source for credit assessment to promote financial inclusion in emerging markets. First, we propose a cash flow-based underwriting pipeline where we utilize bank statement data for end-to-end data extraction and machine learning credit scoring. Second, we introduce a novel dataset of 611 loan applicants from a Malaysian consulting firm. Third, we develop and evaluate credit scoring models based on application information and bank transaction-derived features. Empirical results demonstrate that incorporating bank statement features yields substantial improvements, with our best model achieving an AUROC of 0.806 on validation set, representing a 24.6% improvement over models using application information only. Finally, we will release the anonymized bank transaction dataset to facilitate further research on MSME financial inclusion within Malaysia's emerging economy.

arXiv:2603.29176v1 Announce Type: new Abstract: Parkinson's disease (PD) affects over ten million people worldwide. Although temporal interference (TI) and deep brain stimulation (DBS) are promising therapies, inter-individual variability limits empirical treatment selection, increasing non-negligible surgical risk and cost. Previous explorations either resort to limited statistical biomarkers that are insufficient to characterize variability, or employ AI-driven methods which is prone to overfitting and opacity. We bridge this gap with a pretraining-finetuning framework to predict outcomes directly from resting-state fMRI. Critically, a generative virtual brain foundation model, pretrained on a collective dataset (2707 subjects, 5621 sessions) to capture universal disorder patterns, was finetuned on PD cohorts receiving TI (n=51) or DBS (n=55) to yield individualized virtual brains with high fidelity to empirical functional connectivity (r=0.935). By constructing counterfactual estimations between pathological and healthy neural states within these personalized models, we predicted clinical responses (TI: AUPR=0.853; DBS: AUPR=0.915), substantially outperforming baselines. External and prospective validations (n=14, n=11) highlight the feasibility of clinical translation. Moreover, our framework provides state-dependent regional patterns linked to response, offering hypothesis-generating mechanistic insights.

arXiv:2603.28787v1 Announce Type: cross Abstract: Traditional liquid identification instruments are often unavailable to the general public. This paper shows the feasibility of identifying unknown liquids with commercial lightweight devices, such as a smartphone. The key insight is that different liquid molecules have different viscosity coefficients and therefore must overcome different energy barriers during relative motion. With this intuition in mind, we introduce a novel model that measures liquids' viscosity based on active vibration. However, building a robust system using built-in smartphone accelerometers is challenging. Practical issues include under-sampling, self-interference, and the impact of liquid-volume changes. Instead of machine learning, we tackle these issues through multiple signal processing stages to reconstruct the original signals and cancel out the interference. Our approach estimates liquid viscosity with a mean relative error of 2.9% and distinguishes 30 types of liquids with an average accuracy of 95.47%.

arXiv:2603.28845v1 Announce Type: cross Abstract: Deploying foundation models is increasingly constrained by memory footprint, latency, and hardware costs. Post-training compression can mitigate these bottlenecks by reducing the precision of model parameters without significantly degrading performance; however, its practical implementation remains challenging as practitioners navigate a fragmented landscape of quantization algorithms, precision budgets, data-driven calibration strategies, and hardware-dependent execution regimes. We present OneComp, an open-source compression framework that transforms this expert workflow into a reproducible, resource-adaptive pipeline. Given a model identifier and available hardware, OneComp automatically inspects the model, plans mixed-precision assignments, and executes progressive quantization stages, ranging from layer-wise compression to block-wise refinement and global refinement. A key architectural choice is treating the first quantized checkpoint as a deployable pivot, ensuring that each subsequent stage improves the same model and that quality increases as more compute is invested. By converting state-of-the-art compression research into an extensible, open-source, hardware-aware pipeline, OneComp bridges the gap between algorithmic innovation and production-grade model deployment.

arXiv:2603.29865v1 Announce Type: cross Abstract: Wildfires cause major losses worldwide, and the frequency of fire-weather conditions is likely to increase in many regions. We study the allocation of suppression resources over time on a graph-based representation of a landscape to slow down fire propagation. Our contributions are theoretical and methodological. First, we prove that this problem and related variants in the literature are NP-complete, including cases without resource-timing constraints. Second, we propose a new mixed-integer programming (MIP) formulation that obtains state-of-the-art results, showing that MIP is a competitive approach contrary to earlier findings. Third, showing that existing benchmarks lack realism and difficulty, we introduce a physics-grounded instance generator based on Rothermel's surface fire spread model. We use these diverse instances to benchmark the literature, identifying the specific conditions where each algorithm succeeds or fails.

arXiv:2603.28325v2 Announce Type: replace-cross Abstract: Biomedical knowledge resources often either preserve evidence as unstructured text or compress it into flat triples that omit study design, provenance, and quantitative support. Here we present EvidenceNet, a framework and dataset for building disease-specific knowledge graphs from full-text biomedical literature. EvidenceNet uses a large language model (LLM)-assisted pipeline to extract experimentally grounded findings as structured evidence nodes, normalize biomedical entities, score evidence quality, and connect evidence records through typed semantic relations. We release two resources: EvidenceNet-HCC with 7,872 evidence records, 10,328 graph nodes, and 49,756 edges, and EvidenceNet-CRC with 6,622 records, 8,795 nodes, and 39,361 edges. Technical validation shows high component fidelity, including 98.3% field-level extraction accuracy, 100.0% high-confidence entity-link accuracy, 87.5% fusion integrity, and 90.0% semantic relation-type accuracy. In downstream evaluation, EvidenceNet improves internal and external retrieval-augmented question answering and retains structural signal for future link prediction and target prioritization. These results establish EvidenceNet as a disease-specific resource for evidence-aware biomedical reasoning and hypothesis generation.

arXiv:2603.28707v2 Announce Type: replace-cross Abstract: We present a physics-based neural network framework for the discovery of constitutive models in fully coupled thermomechanics. In contrast to classical formulations based on the Helmholtz energy, we adopt the internal energy and a dissipation potential as primary constitutive functions, expressed in terms of deformation and entropy. This choice avoids the need to enforce mixed convexity--concavity conditions and facilitates a consistent incorporation of thermodynamic principles. In this contribution, we focus on materials without preferred directions or internal variables. While the formulation is posed in terms of entropy, the temperature is treated as the independent observable, and the entropy is inferred internally through the constitutive relation, enabling thermodynamically consistent modeling without requiring entropy data. Thermodynamic admissibility of the networks is guaranteed by construction. The internal energy and dissipation potential are represented by input convex neural networks, ensuring convexity and compliance with the second law. Objectivity, material symmetry, and normalization are embedded directly into the architecture through invariant-based representations and zero-anchored formulations. We demonstrate the performance of the proposed framework on synthetic and experimental datasets, including purely thermal problems and fully coupled thermomechanical responses of soft tissues and filled rubbers. The results show that the learned models accurately capture the underlying constitutive behavior. All code, data, and trained models are made publicly available via https://doi.org/10.5281/zenodo.19248596.

arXiv:2603.23047v1 Announce Type: cross Abstract: Retrieval-Augmented Generation (RAG) fine-tuning has shown substantial improvements over vanilla RAG, yet most studies target document question answering and often rely on standard NLP metrics that can obscure factual differences. We evaluate RAG fine-tuning for long-form text generation in electronic design automation, adapting a 7B model under five context augmentation strategies with varying retrieval conditions. We introduce TriFEX, a human-validated, triple-based evaluation pipeline that attributes generated claims to their origin-user query, context and reference-and propose Parametric Knowledge Precision (PKP), which isolates internalized knowledge by filtering out claims leaked in the prompt. We show that ROUGE and BERTScore fail to detect factual differences that our triple-based evaluation reveals. Additionally, we demonstrate that an existing metric for knowledge internalization is retrieva-sensitive, with about 75% of its cross-condition variance driven by changes in the rate at which internal knowledge is expressed (PR), rather than by changes in its actual correctness (PKP). The fine-tuned 7B variants outperform a 72B baseline on most metrics, further showing generalization across conditions and on a related benchmark. These results underscore the limitations of available metrics in RAG evaluation and show that smaller models could be reasonably well adapted to specialized tasks for cost-efficient, on-premises deployment.

arXiv:2603.12500v1 Announce Type: cross Abstract: We present a Temporal Rule-Anchored Chain-of-Evidence (TRACE) on knowledge graphs for interpretable stock movement prediction that unifies symbolic relational priors, dynamic graph exploration, and LLM-guided decision making in a single end-to-end pipeline. The approach performs rule-guided multi-hop exploration restricted to admissible relation sequences, grounds candidate reasoning chains in contemporaneous news, and aggregates fully grounded evidence into auditable \texttt{UP}/\texttt{DOWN} verdicts with human-readable paths connecting text and structure. On an S\&P~500 benchmark, the method achieves 55.1\% accuracy, 55.7\% precision, 71.5\% recall, and 60.8\% F1, surpassing strong baselines and improving recall and F1 over the best graph baseline under identical evaluation. The gains stem from (i) rule-guided exploration that focuses search on economically meaningful motifs rather than arbitrary walks, and (ii) text-grounded consolidation that selectively aggregates high-confidence, fully grounded hypotheses instead of uniformly pooling weak signals. Together, these choices yield higher sensitivity without sacrificing selectivity, delivering predictive lift with faithful, auditably interpretable explanations.

arXiv:2509.21553v2 Announce Type: replace Abstract: Climate data science remains constrained by fragmented data sources, heterogeneous formats, and steep technical expertise requirements. These barriers slow discovery, limit participation, and undermine reproducibility. We present AutoClimDS, a Minimum Viable Product (MVP) Agentic AI system that addresses these challenges by integrating a curated climate knowledge graph (KG) with a set of Agentic AI workflows designed for cloud-native scientific analysis. The KG unifies datasets, metadata, tools, and workflows into a machine-interpretable structure, while AI agents, powered by generative models, enable natural-language query interpretation, automated data discovery, programmatic data acquisition, and end-to-end climate analysis. A key result is that AutoClimDS can reproduce published scientific figures and analyses from natural-language instructions alone, completing the entire workflow from dataset selection to preprocessing to modeling. When given the same tasks, state-of-the-art general-purpose LLMs (e.g., ChatGPT GPT-5.1) cannot independently identify authoritative datasets or construct valid retrieval workflows using standard web access. This highlights the necessity of structured scientific memory for agentic scientific reasoning. By encoding procedural workflow knowledge into a KG and integrating it with existing technologies (cloud APIs, LLMs, sandboxed execution), AutoClimDS demonstrates that the KG serves as the essential enabling component, the irreplaceable structural foundation, for autonomous climate data science. This approach provides a pathway toward democratizing climate research through human-AI collaboration.

arXiv:2406.14815v5 Announce Type: replace-cross Abstract: Geological parameterization entails the representation of a geomodel using a small set of latent variables and a mapping from these variables to grid-block properties such as porosity and permeability. Parameterization is useful for data assimilation (history matching), as it maintains geological realism while reducing the number of variables to be determined. Diffusion models are a new class of generative deep-learning procedures that have been shown to outperform previous methods, such as generative adversarial networks, for image generation tasks. Diffusion models are trained to "denoise", which enables them to generate new geological realizations from input fields characterized by random noise. Latent diffusion models, which are the specific variant considered in this study, provide dimension reduction through use of a low-dimensional latent variable. The model developed in this work includes a variational autoencoder for dimension reduction and a U-net for the denoising process. Our application involves conditional 2D three-facies (channel-levee-mud) systems. The latent diffusion model is shown to provide realizations that are visually consistent with samples from geomodeling software. Quantitative metrics involving spatial and flow-response statistics are evaluated, and general agreement between the diffusion-generated models and reference realizations is observed. Stability tests are performed to assess the smoothness of the parameterization method. The latent diffusion model is then used for ensemble-based data assimilation. Two synthetic "true" models are considered. Significant uncertainty reduction, posterior P$_{10}$-P$_{90}$ forecasts that generally bracket observed data, and consistent posterior geomodels, are achieved in both cases. PLEASE CITE AS: 10.1016/j.cageo.2024.105755 https://www.sciencedirect.com/science/article/pii/S0098300424002383 NOT WITH THE ARXIV VERSION

arXiv:2601.00150v3 Announce Type: replace-cross Abstract: FCMBench is the first large-scale and privacy-compliant multimodal benchmark for real-world financial credit applications, covering tasks and robustness challenges from domain specific workflows and constraints. The current version of FCMBench covers 26 certificate types, with 5198 privacy-compliant images and 13806 paired VQA samples. It evaluates models on Perception and Reasoning tasks under real-world Robustness interferences, including 3 foundational perception tasks, 4 credit-specific reasoning tasks demanding decision-oriented visual evidence interpretation, and 10 real-world challenges for rigorous robustness stress testing. Moreover, FCMBench offers privacy-compliant realism with minimal leakage risk through in-house scenario-aware captures of manually synthesized templates, without any publicly released images. We conduct extensive evaluations of 28 state-of-the-art vision-language models spanning 14 AI companies and research institutes. Among them, Gemini 3 Pro achieves the best F1 score as a commercial model (65.16), Kimi-K2.5 achieves the best score as an open-source baseline (60.58). The mean and the std. of all tested models is 44.8 and 10.3 respectively, indicating that FCMBench is non-trivial and provides strong resolution for separating modern vision-language model capabilities. Robustness evaluations reveal that even top-performing models experience notable performance degradation under the designed challenges. We have open-sourced this benchmark to advance AI research in the credit domain and provide a domain-specific task for real-world AI applications.

arXiv:2603.08267v1 Announce Type: new Abstract: Bias in financial language models constitutes a major obstacle to their adoption in real-world applications. Detecting such bias is challenging, as it requires identifying inputs whose predictions change when varying properties unrelated to the decision, such as demographic attributes. Existing approaches typically rely on exhaustive mutation and pairwise prediction analysis over large corpora, which is effective but computationally expensive-particularly for large language models and can become impractical in continuous retraining and releasing processes. Aiming at reducing this cost, we conduct a large-scale study of bias in five financial language models, examining similarities in their bias tendencies across protected attributes and exploring cross-model-guided bias detection to identify bias-revealing inputs earlier. Our study uses approximately 17k real financial news sentences, mutated to construct over 125k original-mutant pairs. Results show that all models exhibit bias under both atomic (0.58\%-6.05\%) and intersectional (0.75\%-5.97\%) settings. Moreover, we observe consistent patterns in bias-revealing inputs across models, enabling substantial reuse and cost reduction in bias detection. For example, up to 73\% of FinMA's biased behaviours can be uncovered using only 20\% of the input pairs when guided by properties derived from DistilRoBERTa outputs.

arXiv:2603.07339v1 Announce Type: cross Abstract: Deliberative democratic theory suggests that civic competence: the capacity to navigate disagreement, weigh competing values, and arrive at collective decisions is not innate but developed through practice. Yet opportunities to cultivate these skills remain limited, as traditional deliberative processes like citizens' assemblies reach only a small fraction of the population. We present Agora, an early-stage AI-powered platform that uses LLMs to organize authentic human voices on policy issues, helping users build consensus-finding skills by proposing and revising policy recommendations, hearing supporting and opposing perspectives, and receiving feedback on how policy changes affect predicted support. In a preliminary study with 44 university students, participants using the full interface (with access to voice explanations) reported higher levels of problem-solving skills, internal deliberation, and produced higher quality consensus statements compared to a control condition showing only aggregate support distributions. These initial findings point toward a promising direction for scaling civic education.